Question 1

Is this CMS compliant?

Accepted Answer

Yes, ACA.guru is fully CMS compliant. All forms include the required language and disclosures for 2024 ACA enrollment periods. Our platform is designed specifically for licensed health insurance agents and meets all federal requirements.

Question 2

Do I need a subscription?

Accepted Answer

No subscriptions required! ACA.guru uses a simple pay-as-you-go model. You purchase credits for $1 each, and each credit covers one complete client packet. Credits never expire, so you only pay for what you use.

Question 3

How long are signed forms stored?

Accepted Answer

All signed forms are automatically stored in our HIPAA-compliant vault for 10 years, meeting and exceeding ACA record retention requirements. You can download your documents anytime during this period for audits or your own records.

Question 4

Can I download signed PDFs?

Accepted Answer

Once your client signs the forms, you'll receive a broker-branded PDF packet with all completed forms, timestamps, and digital signatures. You can download this immediately and access it anytime from your account.

Question 5

What happens when I run out of credits?

Accepted Answer

Simply purchase more credits when you need them! There are no penalties or fees for running out. You can buy credits in packages of 5, 10, 25, 50, or 100 depending on your needs. The process takes less than a minute.

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